Graham Savings and Loan, SSB: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 7.37 percentage points higher than in Q1 2026, at 225.30%. Graham Savings and Loan, SSB ranks 215th of 345 Texas banks on return on assets, in the lower half at 1.26% (Q2 2026). At 1.26%, Graham Savings and Loan, SSB's return on assets is close to the 1.25% median for banks in the $100M-1B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 20.66% |
| Tier 1 risk-based capital ratio | 20.66% |
| Total risk-based capital ratio | 21.91% |
| Tier 1 leverage ratio | 11.73% |
| Equity capital to assets | 11.66% |
| Tangible equity to tangible assets | 11.66% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.60% |
| Non-performing assets ratio | 0.44% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 4.93% |
| Allowance for credit losses to loans | 1.35% |
| Reserve coverage of non-performing loans | 225.30% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.26% |
| Return on equity | 10.88% |
| Net interest margin | 4.10% |
| Efficiency ratio | 69.97% |
| Yield on earning assets | 6.17% |
| Cost of funds | 2.29% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.14% |
| Core deposits to total deposits | 88.33% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.45% |
| Securities to assets | 17.32% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.81% | 16.81% | 18.07% | 10.17% | 0.22% |
| Q4 2023 | 16.83% | 16.83% | 18.09% | 10.16% | 0.12% |
| Q1 2024 | 17.03% | 17.03% | 18.29% | 10.41% | 0.11% |
| Q2 2024 | 17.34% | 17.34% | 18.60% | 10.18% | 0.25% |
| Q3 2024 | 17.63% | 17.63% | 18.89% | 10.15% | 0.06% |
| Q4 2024 | 17.65% | 17.65% | 18.91% | 10.34% | 0.37% |
| Q1 2025 | 18.30% | 18.30% | 19.56% | 10.65% | 0.39% |
| Q2 2025 | 18.56% | 18.56% | 19.82% | 10.79% | 0.43% |
| Q3 2025 | 19.60% | 19.60% | 20.86% | 10.71% | 0.91% |
| Q4 2025 | 19.91% | 19.91% | 21.16% | 10.77% | 0.77% |
| Q1 2026 | 20.58% | 20.58% | 21.84% | 11.29% | 1.22% |
| Q2 2026 | 20.66% | 20.66% | 21.91% | 11.73% | 1.26% |
Graham Savings and Loan, SSB vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Graham Savings and Loan, SSB, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Graham Savings and Loan, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29206) · FFIEC NIC profile (RSSD 839974)